Tembo Financial

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Tembo Financial Tembo Financial is a non-traditional finance company offering unique lending services to its custome Don’t wait until closing day to receive your equity!

Are you in need of cash to help with moving costs, renovations, deposits or anything else? Tembo Financial Inc., licensed by the Financial Services Commission of Ontario, is a Mortgage Brokerage and non-traditional finance company, offering unique lending services and solutions to its customers. For many homeowners, your savings are tied up in the equity of your existing property which you are in the process of selling or have now SOLD, however you will not receive the money until your transaction closes on the Closing Day. At Tembo Financial we strive to offer you, our customer, the very best service and products to tailor a solution that fit your needs. We understand how stressful the process of selling one’s home and moving can be, not to mention the associated costs, many of which are unexpected and not budgeted for! It is our goal to help you alleviate some of the stress and manage your financial commitments associated with your move. FSCO Lic: 12598

10/14/2026

Paid on time. Score still scary?? 👻

A client who hasn’t missed a payment can still have a credit score in the low 600s. Often the problem isn’t damaged credit. It’s credit cards and lines of credit sitting close to their limits.

When high balances are what’s haunting the file, the order of the steps matters. A Tembo debt consolidation second mortgage may help pay out the revolving balances, give the new balances time to report and set the client up for a return to the bank. Every file is different, and nobody can promise a specific score.

A bank decline doesn’t have to be the end of the file. 🎃

Read the full blog: https://www.tembofinancial.com/2026/10/13/the-haunted-credit-score-when-high-balances-scare-away-the-bank/
Or call Tembo Financial at 416-238-6717 | www.tembofinancial.com

Credit scores are determined by credit bureaus and lenders using their own models. All applications are subject to Tembo Financial’s underwriting criteria, satisfactory documentation, property review, available equity and fulfillment of all funding conditions.

FSRA Lic. #12598

10/08/2026

Skeletons in the CRM? 💀

Arlen Ekstein, VP Sales and Marketing at Tembo Financial, is talking about the files brokers keep scrolling past: too much unsecured debt, a credit score that took a hit, ratios that stopped working at the bank, or a flat-out decline.

The file stopped moving, but the client’s problem didn’t. Balances may have kept growing, and the renewal date is getting closer.

Arlen’s advice: search the CRM for declines, high-ratio files and clients who went silent, then pick up the phone. Lead with customer service and show the client their problem still matters.

Have a tricky file worth bringing back to life? 🦇
Call Tembo Financial at 416-238-6717 or visit www.tembofinancial.com

Read the full blog: https://www.tembofinancial.com/2026/10/06/skeletons-in-the-closet-bring-old-mortgage-files-back-to-life/

All applications are subject to Tembo Financial’s underwriting criteria, satisfactory documentation, property review, available equity and fulfillment of all funding conditions.

FSRA Lic. #12598

10/07/2026

What's hiding in the back of the CRM?? 💀

Every mortgage broker has a few skeletons in the closet. Not bad clients, just files that stalled: declined by the bank, ratios too high, renewal pending, or a client who went quiet.

Those files don't stop accumulating interest. Balances keep growing and the renewal date keeps getting closer.

Many of these files belong to strong homeowners with real equity. A Tembo debt consolidation second mortgage may help pay out high-interest debt and create time to prepare for renewal, with a clear exit planned from the start.

This October, open the closet and dust off those files. 🦇

Read the full blog: https://www.tembofinancial.com/2026/10/06/skeletons-in-the-closet-bring-old-mortgage-files-back-to-life/
Or call Tembo Financial at 416-238-6717 | www.tembofinancial.com

All applications are subject to Tembo Financial's underwriting criteria, satisfactory documentation, property review, available equity and fulfillment of all funding conditions.

FSRA Lic. #12598

09/17/2026

Bankable client. Short-term problem.

Even strong clients can hit a temporary obstacle: recent self-employment, debt ratios that are temporarily elevated, deposit and closing dates that don't line up, or credit that needs a few months to recover. The client is still bankable. The file just isn't bank-ready yet.

A short-term Tembo solution may help bridge the gap, with a clear exit back to bank financing planned from the start. Keep the client. Solve the problem. Return to the bank.

Read the full blog at https://www.tembofinancial.com/2026/09/17/bankable-clients-short-term-problems-where-tembo-fits/ or call 416-238-6717 to talk through a file.

All applications are subject to Tembo Financial's underwriting criteria, satisfactory documentation, property review, available equity and fulfillment of all funding conditions.

09/10/2026

The strongest files in a broker's fall pipeline are usually already in the database. Three worth reopening before January.

Tembo lends against the equity clients already have, with deal feedback in as little as an hour and rush files funded within 48 hours.

Read the full blog at https://www.tembofinancial.com/2026/09/09/three-files-worth-reopening-this-fall/ or call Tembo Financial at 416-238-6717.

FSRA Lic. #12598

09/09/2026

The strongest files in a broker's fall pipeline are usually already in the database.

The client whose cash flow didn't survive the summer. The listing that sat and never sold. The renewal landing inside the next twelve months. None of them are new leads, and all three have a reason to move now rather than in January.

Tembo advances funds against the equity clients already have, often within 48 hours, with approval based on the equity rather than a flawless credit profile.

Read the full blog at https://www.tembofinancial.com/2026/09/09/three-files-worth-reopening-this-fall/

or call Tembo Financial at 416-238-6717.

FSRA Lic. #12598

09/02/2026

Bond yields in Washington. Mortgage rates in Ontario. Closer than you think.

Tembo breaks down what is really moving markets right now: why 80% of our exports heading south still shapes what Ontario families pay, why a fight over long term U.S. bond yields matters no matter what the Bank of Canada does, and why Canada's fastest quarterly growth since 2004 is resilience, not immunity.

Have a private deal on the go? Call Tembo Financial at 416-238-6717 or visit www.tembofinancial.com

FSRA Lic. #12598

⏰ One hour to go.Arlen Ekstein joins Jessica Amorim and Robert DiPaolo of Manulife Bank at 11:00 AM ET for a full hour o...
08/27/2026

⏰ One hour to go.

Arlen Ekstein joins Jessica Amorim and Robert DiPaolo of Manulife Bank at 11:00 AM ET for a full hour on Manulife One deals. What the niche programs can and cannot do, why strong files stall on the A side, and two real deals walked through start to finish.

Seats are still open. Register here 👇
78432bb0-a96f-41a8-8dd4-bb105d1b8ee8@261f217a-01f1-43fd-8ad3-524965edaaf7" rel="ugc" target="_blank">https://events.teams.microsoft.com/event/78432bb0-a96f-41a8-8dd4-bb105d1b8ee8@261f217a-01f1-43fd-8ad3-524965edaaf7

08/26/2026

Tembo's got news 🐘

Tomorrow morning, Arlen Ekstein sits down with Jessica Amorim and Robert DiPaolo of Manulife Bank for a full hour on Manulife One deals.

The file works on paper. Then unsecured debt or a beacon score gets in the way. That's the whole session: what the niche programs can and cannot do, where good files stall, and two real deals walked through start to finish.

Thursday, August 27 at 11:00 AM ET. Seats are still open 👇
78432bb0-a96f-41a8-8dd4-bb105d1b8ee8@261f217a-01f1-43fd-8ad3-524965edaaf7" rel="ugc" target="_blank">https://events.teams.microsoft.com/event/78432bb0-a96f-41a8-8dd4-bb105d1b8ee8@261f217a-01f1-43fd-8ad3-524965edaaf7

Address

265 Rimrock Road, Suite 202
Toronto, ON
M3J3C6

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18442386717

Website

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